put as much as you can in a well-diversified pension portfolio
Don't bother with cash NISAs except for emergency funds, all other savings should go into a portfolio of ten to twelve investment funds within a NISA, with the fund selection aligned to your attitude to risk.

Alt: That bird from Placebo.
(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:15, 4 replies, latest was 10 years ago)

finally some sensible and interesting advice.

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:17, Reply)

He did ask.

(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:21, Reply)

What happens if you want to retrieve your money earlier?

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:23, Reply)

then you raid the NISA
The deal with pensions is the tax relief on the way in, in return for no access until you're 55.
(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:25, Reply)

please, go on

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:25, Reply)

ask away, this stuff usually attracts a fee

(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:27, Reply)

can't, i'm busy counting the money in my face bank.

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:29, Reply)

I FUCKING KNEW IT
www.scotland.police.uk/whats-happening/news/2015/january/robbery-nisa-store-broughty-ferry
(Bonzodog29 is an unemployed sponge of the worst kind, Wed 11 Feb 2015, 10:26, Reply)

this is gonna get sexy soon ... right?

(old man river possible lesbian, Wed 11 Feb 2015, 10:28, Reply)

It had better do otherwise I am sat in my office with my kecks round my ankles for no reason

(Bonzodog29 is an unemployed sponge of the worst kind, Wed 11 Feb 2015, 10:29, Reply)

no

(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:29, Reply)

do you never feel the inclination to just say 'look, mate, none of this shit is gonna make you happy, just get loaded and have a good time, yeah? a marginally better pension won't dim your regrets for a wasted life'?

(old man river possible lesbian, Wed 11 Feb 2015, 10:31, Reply)

I dont see how investing in low quality "corner shops" would be better than using a bank

(Bonzodog29 is an unemployed sponge of the worst kind, Wed 11 Feb 2015, 10:20, Reply)

which is why you work in IT and I work in VHNW financial advice

(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:22, Reply)

I am sure your job is just as fasinating as mine old chap

(Bonzodog29 is an unemployed sponge of the worst kind, Wed 11 Feb 2015, 10:23, Reply)

Like you wouldn't believe.

(dozers, do fuck off ur a nob m8, Wed 11 Feb 2015, 10:25, Reply)

it's like polishing a turd

(Set your faces to Stunned Bigly, Wed 11 Feb 2015, 10:24, Reply)

I don't know why people say that, you can't polish a turd, you'd just end up making a right mess. Stupid idea.

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:28, Reply)

you can polish a turd.
i've seen it done.

yacht varnish is the kiddy.
(Set your faces to Stunned Bigly, Wed 11 Feb 2015, 10:30, Reply)

that isn't polishing, that's providing an additional protective finish, you have't seen it done, I win again
STUNNED POSTER 0 - 1 MOOMINTROLL
( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:32, Reply)

apology accepted.

(Set your faces to Stunned Bigly, Wed 11 Feb 2015, 10:34, Reply)

you're welcome

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:34, Reply)

Moomintroll?

(Xav loves PhillieJoe, Wed 11 Feb 2015, 10:35, Reply)

Speaking

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:35, Reply)

No, you're MEATSNAKE

(Xav loves PhillieJoe, Wed 11 Feb 2015, 10:35, Reply)

It's stunned posters latest name for me, which I prefer to 'Paul'

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:36, Reply)

Oh, is it because you have a big head?

(Xav loves PhillieJoe, Wed 11 Feb 2015, 10:36, Reply)

I would imagine so :(

( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:37, Reply)

He's a big meanie that stunned one
He needs bringing down a peg or two
(Xav loves PhillieJoe, Wed 11 Feb 2015, 10:37, Reply)

p l
( MEATSNAKE Richard Hammond, Wed 11 Feb 2015, 10:39, Reply)

christ alive that's depressing

(old man river possible lesbian, Wed 11 Feb 2015, 10:22, Reply)

So what you are saying is that I should spend it all now and kill myself at 65?

( $$ ✅, Wed 11 Feb 2015, 10:34, Reply)